Professional retirement modeling, without subscriptions
€0
No time limits
Full access to the Monte Carlo simulation engine. No accounts, no trials, no locked features. Supported by lightweight advertising and research partnerships.
No signup. No credit card.
Retirement Lab is an independent project dedicated to financial literacy. We provide professional-grade tools for free by utilizing lean infrastructure and optional, non-intrusive advertising.
Instead of assuming a constant 7% return, our proprietary engine simulates thousands of market paths—including crashes and bull markets—using historical volatility. This gives you a 'probability of success' based on statistical variance.
Your data is processed in a secure, ephemeral session. We use encrypted tunnels to perform calculations; we do not store your financial inputs in any permanent database or server log.
This tool provides a statistical range of outcomes. Because it cannot predict 'black swan' events or personal emergencies, always verify your plan with a certified financial planner (CFP).
Yes. All projections automatically factor in historical inflation data to ensure your results reflect real-world purchasing power in today's currency value.